I made Lunch Money (https://lunchmoney.app) as a potential happy medium between the two. If you end up trying it out, feel free to let me know what you think!
I've first heard of it from the IndieHackers podcast featuring you [1] and remember myself signing up and thinking "wow, this is exactly how I would design and build something like that".
Everything is polished, thought through, and the pace with which you push out new features is crazy.
Thank you!
[1] https://www.indiehackers.com/podcast/150-jen-yip-of-lunch-mo...
Q: Have you ever considered alternative payment schemes, e.g., student pricing, loyalty pricing (pay $X first year and then $Y for all subsequent years, Y < X)?
We raise our prices every few months so you will be grandfathered into the pricing plan at sign up. Aside from that and occasional coupon codes for first year subscriptions, we don't have any other payment schemes (yet!).